WTM Stock Analysis: Buy, Sell, or Hold?
WTM - White Mountains Insurance Group Ltd.
$2101.47
3.74 (0.18%)
▲
5d:
-4.21%
30d:
-3.33%
90d:
-2.87%
BUY
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Aug 06, 2026
1d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: WTM shows positive signals but monitor for confirmation. Market pricing in 0.4% decline. Moderate conviction.
💡 BUY OPPORTUNITY: WTM shows positive signals but monitor for confirmation. Market pricing in 0.4% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$438.34
Based on -24.3% avg growth
INTRINSIC VALUE TODAY
$272.17
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 23.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WTM is currently trading at $2101.47, which is considered oversold relative to its 30-day fair value range of $2101.88 to $2202.65. The stock's valuation (Forward PE: 23.4) is in line with its historical norms (23.6). Remarkably, the market is currently pricing in an annual earnings decline of 0.4% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, WTM is in a downtrend. The price is currently testing key support at $2084.99. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. However, the stock is trading significantly above the average Wall Street target of $360.00. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, WTM is in a downtrend. The price is currently testing key support at $2084.99. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. However, the stock is trading significantly above the average Wall Street target of $360.00. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$2101.88 -
$2202.65
Company Quality Score
47/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
70.0%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BEARISH: Trading 82.9% above Wall St target ($360.00)
Trading Range Analysis
30-Day Trading Range
$2101.88 -
$2202.65
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$2084.99
Resistance Level
$2233.66
Current Trend
Downtrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
23.35
Wall Street Target
$360.00
(-82.9%)
Revenue Growth (YoY)
-10.8%
Earnings Growth (YoY)
-36.6%
Profit Margin
37.0%
Valuation Discount vs History
-0.4% cheaper
PE vs Historical
23.4 vs 23.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.4%
(market-implied from PE analysis)
1-Year Target
$2093.06
(0%)
2-Year Target
$2084.69
(-1%)
3-Year Target
$2076.35
(-1%)
3-Yr Target (if PE normalizes)
(PE: 23→24)
$2098.61
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 23.3, Growth: -52.6%)
$1531.97
(+-27%)
Base:
(SPY PE: 20.7, Growth: -52.6%)
$1360.10
(-35%)
Bear:
(PE: 17.6, Growth: -52.6%)
$1156.08
(-45%)
📈
Valuation based on Current Earnings
Trailing PE: 5.19 | Current EPS (TTM): $404.44
Bull Case
$1153.76
(-45%)
Analyst growth -50.0%, PE expands to 5.7
Base Case
$1048.87
(-50%)
Market implied -50.0%, PE stable at 5.2
Bear Case
$1426.47
(-32%)
Severe decline -20.0%, PE contracts to 4.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 23.3 to 23.6
Stabilization Target:
$2124.00
(+1.1%)
PE Expansion Potential:
+1.1%
Share & Embed Analysis
Last updated: August 03, 2026 9:09 PM ET
Data refreshes hourly during market hours. Next update: 10:09 PM
Data refreshes hourly during market hours. Next update: 10:09 PM
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Technical Signals Check
Is WTM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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